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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Lloyds Banking Group
Lloyds Banking Group (LLOY) investor relations material
Lloyds Banking Group UBS London European Conference 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.UBS London European Conference 2026 summary11 Nov, 2026
Trading and full-year outlook
YTD NII rose 10% to £11.1bn and other operating income rose 10%; Q4 trading expected to continue the pattern.
FY NII expected modestly above £14.9bn; other operating income growth expected in the high single digits, consistent with Q3 delivery.
Current trading described as resolute and consistent with guidance and full-year objectives.
2027 NII outlook
2027 NII expected to grow at a healthy, mid-single-digit pace, slower than 2026’s high-single-digit growth.
Structural hedge tailwind expected to contribute about £1bn of growth in 2027, versus £1.5bn in 2026.
Asset and deposit markets expected to remain competitive in 2027; deposit flows are more modest, with new deposits typically going into fixed-term accounts.
2027 volumes expected to be broadly similar to 2026; non-banking NII expected to grow modestly.
Lending, deposits and asset quality
Lending grew about £18bn, or ~3% YTD, including securitisations; credit demand remained robust despite rates staying higher than expected.
Mortgages grew about 1%, or ~£4bn including securitisations, while new-completions market share was roughly 17.6%; consumer finance businesses grew 6%-7% YTD.
Deposits totalled £503bn; quarterly retail deposit migration of £1bn-£1.5bn was viewed as manageable.
FY asset quality guidance remained ~25 bps; the £930m charge equated to 25 bps, with early-warning indicators low and stable.
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Latest events from Lloyds Banking Group
- Nine-month profit growth and strong returns support reaffirmed 2026 guidance.LLOY
Q3 2026 - Strong H1 2026 growth and Accelerate 2030 strategy drive digital, financial, and capital ambitions.LLOYInvestor presentation
- Resilient performance, digital innovation, and AI drive growth amid stable U.K. outlook.LLOYBank of America 31th Annual Financials CEO Conference
- Accelerate 2030 targets robust growth, efficiency, and innovation, with AI driving transformation.LLOYBarclays 24th Annual Global Financial Services Conference
- Net income up 9% to £9.7bn, profit before tax up 23%, and £1bn buyback announced.LLOYQ2 2026 & Strategy update
- Strong financials, digital growth, and all resolutions approved amid shareholder scrutiny.LLOYAGM 2025
- Resilient growth, digital innovation, and strong capital returns drive confidence in future performance.LLOYBank of America 30th Annual Financials CEO Conference 2025
- AI-driven innovation and digital assets deliver growth, efficiency, and industry leadership.LLOYInvestor Update
- Net income up 4% year-over-year, with robust lending and capital; 2025 guidance reaffirmed.LLOYQ1 2025
Next Lloyds Banking Group earnings date
Q4 202619 Feb, 2027
Lloyds Banking Group
Next Lloyds Banking Group earnings date
Q4 202619 Feb, 2027
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Frequently asked questions
Lloyds Banking Group plc is a prominent UK-based financial services provider offering a broad range of banking and financial services. The company operates in three main segments: Retail, Commercial Banking, and Insurance, Pensions and Investments. The Retail segment caters to personal customers with products such as current accounts, savings, mortgages, motor finance, and credit cards. The Commercial Banking segment serves small and medium-sized enterprises, corporates, and institutions with services like lending, transactional banking, and risk management. The Insurance, Pensions, and Investments segment provides related financial products and services. Lloyds Banking Group manages various well-known brands including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows, distributing its services through branches, ATMs, and digital platforms. The company is headquartered in London, England, and its shares are listed on the London Stock Exchange.